No Annual Fee Credit Cards

Credit cards with no annual fee are popular with users who pay off bills on time each month. No-annual-fee credit cards give responsible users a payment tool at no cost. At the same time, they allow people to accumulate cash back, earn points, receive bonus, or even receive perks such as free flights or hotel stays! In addition, you can use these no-fee credit cards to maintain good or excellent credit rating by constant credit card transactions and on-time payments. Check out these no-annual-fee Canadian credit cards that stand out.

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
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SimplyCash™ from American Express

19.99% APR

1.99% intro APR
for 6 months

22.99% APR after that

$0

Excellent, Good CreditApply NowView Card Details
  • New SimplyCash™ Card from American Express Cardmembers can earn 2.5% cash back on purchases (up to $150 cash back) for the first 3 months of Cardmembership.
  • Earn 1.25% cash back on purchases when your Welcome Rate ends
  • No limit to the amount of cash back you can earn after your Welcome Rate ends
  • Optional Balance Transfer Offer - Enjoy a 1.99% interest in first 6 months of Cardmembership if you choose to transfer your other credit card balances to this American Express card
  • Balance Transfer option is only available at time of online application. There is no balance transfer fee at time of application
  • Access to memorable experiences with American Express Invites®
  • Insurance coverage and 24/7 Customer Service
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
Tangerine Money-Back Credit Card

19.95% APR

19.95% APR

$0

Excellent CreditApply NowView Card Details
  • Special Offer: Earn 4% Money-Back Rewards on purchases in two Money-Back Categories of their choice, and 0.50% Money-Back Rewards on all other purchases.
  • This Promotion is only available to new Tangerine Money-Back Credit Card Account holders who apply between April 22, 2019 and July 31, 2019, and activate their Credit Card no more than 45 calendar days from the date Tangerine approves the application.
  • 4% Cash-back will be earned for a 92-day period beginning on the date the Tangerine Money-Back Credit Card is activated. At the end of the 92-day period, Cash-back will be 2% on the selected 2 categories.
  • Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 4% Money-Back Category.
  • Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
  • No limit on the amount of Money-Back Rewards you can earn.
  • Change your 4% Money-Back Categories to suit your spending.
  • All other Terms and Conditions for the Tangerine Money-Back Credit Card and the Tangerine Money-Back Rewards program remain unchanged. If the chosen 2% Money-Back Categories are changed at any time during the 92-day period while this Promotion is in effect, the 4% Promotional rate will be automatically transferred to the new chosen categories.
  • Orange Alerts are emailed to you so that you're up-to-date on what's happening in your Account.
Scotiabank® GM®* Visa* Card

17.99% APR

22.99% APR

$0

Good CreditApply NowView Card Details
  • Get closer to your new car with up to 5% in GM Earnings
  • Earn 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter
  • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
  • No earning or redemption caps
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.
Scotia Momentum® No-Fee Visa* Card

7.99% intro APR
for 6 months

19.99% APR after that

22.99% APR

$0

Good CreditApply NowView Card Details
  • 7.99% introductory interest rate on purchases for the first 6 months◊
  • Cash back on everyday spending with no annual fee
  • 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
  • 0.5% cash back on all other eligible everyday purchases
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.
SCENE® Visa* card

19.99% APR

22.99% APR

$0

Good CreditApply NowView Card Details
  • Earn 2,500 bonus SCENE points with your first $500 in everyday purchases in first 3 months◊
  • Earn 1 SCENE point for every $1 you spend on credit card purchases
  • Earn 5 SCENE points for every $1 you spend on SCENE Visa purchases at participating Cineplex Entertainment theatres or online at cineplex.com
  • Rates, fees and other information are effective as of March 1, 2018. Subject to change.
No-Fee Scotiabank Value® Visa* Card

16.99% APR

3.99% intro APR
for 6 months

16.99% APR after that

$0

Good CreditApply NowView Card Details
  • 3.99% introductory interest rate on balance transfers for the first 6 months (16.99% after that)◊
  • A great low rate with no annual fee
  • Pay down balances faster
  • Simplify your monthly payments
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.
American Express® AIR MILES®* Gold Business Card

19.99% APR

N/A

$0

Excellent, Good, Fair CreditApply NowView Card Details
  • Get 150 Bonus AIR MILES®* Reward Miles when you spend $1,000 within the first three months of Cardmembership
  • Earn 1 Mile for every $15 in Card purchases at AIR MILES®* Sponsors and 1 for every $20 in Card purchases everywhere else
  • Show your Collector Card and use your AIR MILES®* Gold Business Card at Sponsor locations to earn miles twice
  • Pay no annual fee. Plus, enjoy the flexibility to pay balances in full or over time
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
Scotiabank®* American Express® Card

19.99% APR

22.99% APR

$0

Good CreditApply NowView Card Details
  • Earn 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in first 3 months◊
  • Earn one Scotia Rewards point on all eligible everyday purchases
  • Flexible Point Redemption
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.
Scotiabank® More Rewards®* Visa* Card

19.99% APR

22.99% APR

$0

Good CreditApply NowView Card Details
  • Earn 6 More Rewards points for every $1 spent on purchases at participating More Rewards locations
  • Earn 4 points for every $1 on other purchases everywhere else
  • There's no limit to the number of points you can earn
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.
Scotia Momentum® Mastercard®*

7.99% intro APR
for 6 months

19.99% APR after that

22.99% APR

$0

Good CreditApply NowView Card Details
  • 7.99% introductory interest rate on purchases for the first 6 months (19.99% after that)◊
  • Cash back on everyday spending with no annual fee
  • 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
  • 0.5% cash back on all other eligible everyday purchases
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.
CIBC Air Canada® AC conversion™ Visa* Prepaid Card

N/A

N/A

None

No Credit CheckApply NowView Card Details
  • Simply load the card with funds and start spending anywhere VISA is accepted, whether you're travelling or booking ahead. Use it online, at stores and restaurants, and even for withdrawing local currency from ATMs.
  • A single card loaded with up to 10 currencies.
  • Manage your card from your smartphone or tablet.
  • Spend like a local in 45 countries around the world.
  • Travel worry-free knowing support is close at hand.
  • New SimplyCash™ Card from American Express Cardmembers can earn 2.5% cash back on purchases (up to $150 cash back) for the first 3 months of Cardmembership.
  • Earn 1.25% cash back on purchases when your Welcome Rate ends
  • No limit to the amount of cash back you can earn after your Welcome Rate ends
  • Optional Balance Transfer Offer - Enjoy a 1.99% interest in first 6 months of Cardmembership if you choose to transfer your other credit card balances to this American Express card
  • Balance Transfer option is only available at time of online application. There is no balance transfer fee at time of application
  • Access to memorable experiences with American Express Invites®
  • Insurance coverage and 24/7 Customer Service
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
  • Special Offer: Earn 4% Money-Back Rewards on purchases in two Money-Back Categories of their choice, and 0.50% Money-Back Rewards on all other purchases.
  • This Promotion is only available to new Tangerine Money-Back Credit Card Account holders who apply between April 22, 2019 and July 31, 2019, and activate their Credit Card no more than 45 calendar days from the date Tangerine approves the application.
  • 4% Cash-back will be earned for a 92-day period beginning on the date the Tangerine Money-Back Credit Card is activated. At the end of the 92-day period, Cash-back will be 2% on the selected 2 categories.
  • Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 4% Money-Back Category.
  • Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
  • No limit on the amount of Money-Back Rewards you can earn.
  • Change your 4% Money-Back Categories to suit your spending.
  • All other Terms and Conditions for the Tangerine Money-Back Credit Card and the Tangerine Money-Back Rewards program remain unchanged. If the chosen 2% Money-Back Categories are changed at any time during the 92-day period while this Promotion is in effect, the 4% Promotional rate will be automatically transferred to the new chosen categories.
  • Orange Alerts are emailed to you so that you're up-to-date on what's happening in your Account.
  • Get closer to your new car with up to 5% in GM Earnings
  • Earn 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter
  • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
  • No earning or redemption caps
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.
  • 7.99% introductory interest rate on purchases for the first 6 months◊
  • Cash back on everyday spending with no annual fee
  • 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
  • 0.5% cash back on all other eligible everyday purchases
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.
  • Earn 2,500 bonus SCENE points with your first $500 in everyday purchases in first 3 months◊
  • Earn 1 SCENE point for every $1 you spend on credit card purchases
  • Earn 5 SCENE points for every $1 you spend on SCENE Visa purchases at participating Cineplex Entertainment theatres or online at cineplex.com
  • Rates, fees and other information are effective as of March 1, 2018. Subject to change.
  • 3.99% introductory interest rate on balance transfers for the first 6 months (16.99% after that)◊
  • A great low rate with no annual fee
  • Pay down balances faster
  • Simplify your monthly payments
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.
  • Get 150 Bonus AIR MILES®* Reward Miles when you spend $1,000 within the first three months of Cardmembership
  • Earn 1 Mile for every $15 in Card purchases at AIR MILES®* Sponsors and 1 for every $20 in Card purchases everywhere else
  • Show your Collector Card and use your AIR MILES®* Gold Business Card at Sponsor locations to earn miles twice
  • Pay no annual fee. Plus, enjoy the flexibility to pay balances in full or over time
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
  • Earn 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in first 3 months◊
  • Earn one Scotia Rewards point on all eligible everyday purchases
  • Flexible Point Redemption
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.
  • Earn 6 More Rewards points for every $1 spent on purchases at participating More Rewards locations
  • Earn 4 points for every $1 on other purchases everywhere else
  • There's no limit to the number of points you can earn
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.
  • 7.99% introductory interest rate on purchases for the first 6 months (19.99% after that)◊
  • Cash back on everyday spending with no annual fee
  • 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
  • 0.5% cash back on all other eligible everyday purchases
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.
  • Simply load the card with funds and start spending anywhere VISA is accepted, whether you're travelling or booking ahead. Use it online, at stores and restaurants, and even for withdrawing local currency from ATMs.
  • A single card loaded with up to 10 currencies.
  • Manage your card from your smartphone or tablet.
  • Spend like a local in 45 countries around the world.
  • Travel worry-free knowing support is close at hand.
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